Scaling Your FinTech Startup: The On-Ground Realities

The Digital Trap

Many FinTech founders believe that a great app and digital marketing are enough to scale. While product-market fit is crucial, the real challenge in India lies in the "last mile" of adoption.

Trust is Physical

In Tier-2 and Tier-3 cities, trust is not built through a Facebook ad; it is built through a handshake. Merchant onboarding requires feet on the street—agents who can look a shopkeeper in the eye, explain the QR code system, and promise support.

At Bisani Brothers, we have seen that hybrid models—where digital products are supported by physical activation teams—yield 3x higher retention rates than digital-only launches.